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Self-Employed Loans

Secure Your Dream Home with Nutmeg Finance

Home Loans for the Self-Employed

As a self-employed professional or small business owner, securing a home loan can seem like a daunting task. Traditional lending institutions often require a long history of income verification or lengthy documentation. But at Nutmeg Finance, we understand the unique challenges of self-employed individuals. That’s why we offer flexible home loan options with as little as six months of ABN (Australian Business Number) activity.

Whether you’re a freelancer, contractor, entrepreneur, or small business owner, our tailored home loans are designed to make the dream of homeownership a reality—without putting your business ambitions on hold.

Why Choose us

Why Choose Nutmeg Finance for Self-Employed Home Loans?

  • Flexible Lending Criteria: We know that as a self-employed individual, your income might not come in the same way as a salaried employee. That’s why we consider a range of income types and offer flexibility with our application process.
  • Six Months of ABN Activity: Forget the long wait. With just six months of ABN activity, you could be eligible to apply for a home loan with Nutmeg Finance. We focus on your current business performance, not just your past financial history.
  • Quick and Easy Application Process: The home loan application process doesn’t have to be complicated. Our easy-to-follow online application allows you to apply from the comfort of your home or office. You’ll get fast responses and clear steps for approval.
  • Competitive Interest Rates: We work with a variety of lenders to bring you the best possible interest rates, so you can enjoy affordable repayments and save money over time.
  • Personalized Support: Our expert mortgage brokers will walk you through every step of the process—from gathering documentation to finalizing your loan. We’re here to ensure you feel confident and informed at every stage.

What You Need to Apply for a Self-Employed Home Loan

At Nutmeg Finance, we try to make home loan applications as straightforward as possible for self-employed individuals. Here’s what you’ll typically need:

  • ABN (Australian Business Number): At least six months of active business activity.
  • Business Financials: Recent profit and loss statements or business tax returns (depending on the lender).
  • Bank Statements: Personal and business bank statements to demonstrate your income and expenses.
  • Proof of Identity: Government-issued ID and possibly other documentation to verify your identity.
  • Credit History: While we understand self-employed individuals may face fluctuating income, we still review your credit history as part of the application.

When is a Home Loan for the Self-Employed a Good Option?

If you’re self-employed and have been thinking about buying a home, here are some reasons to consider applying for a home loan:

  • You’ve Been in Business for at Least Six Months: If your business is stable and generating income, Nutmeg Finance makes it easier to apply for a loan, even with minimal time in business.
  • You Want to Secure a Property While Your Business is Growing: Don’t wait for your business to be fully established. Nutmeg Finance gives you the chance to buy a home while continuing to build your entrepreneurial success.
  • You Want to Leverage Your Business Income: If you’ve been in business long enough to show steady income, you may be able to use your self-employed earnings to qualify for a home loan.

Steps to Apply for a Self-Employed Home Loan with Nutmeg Finance

  1. Pre-Assessment: Contact Nutmeg Finance for a free home loan consultation. Our experts will assess your current financial situation and guide you on the best loan options available.
  2. Document Submission: Submit your business and personal documents. We’ll walk you through everything you need to provide to make the application process easy.
  3. Loan Approval: Once we review your application, we’ll provide you with loan approval and offer the best terms for your situation.
  4. Get Your Keys: After approval, we’ll help you finalize the paperwork and you’ll be on your way to homeownership!

Being self-employed doesn’t mean you have to put your dreams of owning a home on hold. With Nutmeg Finance, you can apply for a home loan with just six months of ABN activity and a flexible application process that fits your needs. Whether you’re buying your first home, upgrading, or refinancing, we’re here to help you every step of the way.

Ready to apply? Contact Nutmeg Finance today and take the first step toward homeownership!

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Nutmeg has the perfect loan for you. Whether you’re buying your first home, upgrading, downsizing, or investing, we’re here to guide you every step of the way. Found your dream home yet? Let us help make it a reality!

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